| 住房抵押贷款理性违约风险及其规避 |
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| 引用本文： | 张红,艾娜. 住房抵押贷款理性违约风险及其规避[J]. 重庆建筑大学学报, 2001, 23(Z1): 84-88 |
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| 作者姓名： | 张红 艾娜 |
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| 作者单位： | 1. 青华大学房地产研究所,
2. 宾夕法尼亚大学沃顿商学院, |
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| 摘 要： | 借款人理性违约是银行在发放住房抵押贷款时面临的主要风险之一.论文以住房抵押贷款的违约风险为着眼点,具体分析住房抵押贷款的理性违约行为及其影响因素,并提出了确定风险溢价和信贷额度、防范提前还款等相应的风险规避措施.
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| 关 键 词： | 住房抵押贷款 理性违约风险:规避 |
| 文章编号： | 1006-7329(2001)S0-0084-05 |
| 修稿时间： | 2001-09-08 |
Rational Housing Mortgage Default & Its Precautious Measures |
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| ZHANG Hong,AI Na. Rational Housing Mortgage Default & Its Precautious Measures[J]. Journal of Chongqing Jianzhu University, 2001, 23(Z1): 84-88 |
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| Authors: | ZHANG Hong AI Na |
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| Affiliation: | ZHANG Hong1,AI Na2 |
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| Abstract: | With the development of housing industry and housing finance, more and more loan default affairs have been occurred, which is one of the major risks faced by banks. This paper analyzes housing mortgage loan default and its corresponding influent factors based on ordinary bank risks. The corresponding precautious measures such as making risk premium, loan quantity and avoiding payment before time are also given in this paper. |
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| Keywords: | mortgage loan rational default precaution |
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